Section Ins 4701.03 - Definitions For the purposes of blanket accident and health travel insurance policies:
(a) "Accident " means any unforeseen or unplanned event or circumstance that results in injury and associated financial loss. The term includes "accidental;"(b) "Blanket accident and health travel insurance" means coverage providing for a loss incurred incidental to planned travel away from home or business, not exceeding 12 months in duration, for either or both accidental loss of life, limb, and financial loss for medical care or treatment. Blanket accident and health travel insurance does not include personal inland marine travel insurance coverage except as permitted in Ins 4701.02(c);(c) "Covered person" means an individual that is covered under a blanket accident and health travel insurance policy. The term includes "covered individual;"(d) "Description of coverage" means a document that provides a brief description of the insurance coverage available under the policy and is issued to individual members of a group or organization that are covered under a blanket accident and health travel insurance policy. The term includes "certificate of coverage;"(e) "Emergency" means health care or dental services that are provided to a covered individual after the sudden onset of a medical condition that manifests itself by symptoms of sufficient severity that the absence of immediate medical attention could be expected to result in any of the following: (1) Serious jeopardy to the patient's health;(2) Serious impairment to bodily functions; or(3) Serious dysfunction of any bodily organ or part;(f) "Personal inland marine travel insurance" means coverage for financial loss due to trip cancellation or trip interruption, property damage in connection with such planned travel, or other similar financial loss that occurs incidental to planned travel away from home or business;(g) "Policyholder" means the employer, travel agency or other group as described in RSA 415:18,I-a. in whose name the policy is issued and held; and(h) "Sickness" means any affliction of the body which deprives it temporarily of the power to fulfill its usual functions.N.H. Admin. Code § Ins 4701.03
Adopted byVolume XXXIV Number 41, Filed October 9, 2014, Proposed by #10681, Effective 11/3/2014, Expires 11/3/2024